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Net margin at other companies

JPMorgan Chase logo
JPMorgan ChaseJPM
32.6%+0.4pp
Ally Financial logo
Ally FinancialALLY
16.5%+12.6pp
Huntington Bancshares logo
Huntington BancsharesHBAN
24.7%-2.8pp
Financial Institutions logo
Financial InstitutionsFISI
32.4%
Capital City Bank Group logo
Capital City Bank GroupCCBG
24%+0.2pp
Pioneer Bancorp, Inc. logo
Pioneer Bancorp, Inc.PBFS
16.5%-5.0pp

Other financials

Income statement

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Revenue$41.6M-2.8%
Net income$12.5M-7.9%
EPS (diluted)$0.83-7.8%

Balance sheet

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Cash & equivalents$88.6M-43.3%
Total debt$2.9M+360%
Total equity$482.7M+11.8%
Total assets$4.5B+3.4%

Cash flow

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Operating cash flow$29.9M+152%
CapEx$2.8M+35.6%
Free cash flow$27.1M+177%

Valuation

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Market cap$508.32M+16.9%
P/E9.3×-21.5×
P/S-0.6×

Profitability

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FCF margin29.7%

Returns & leverage

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Return on equity12%+7.6pp
Debt / equity0.0×

Where this comes from

Calculated from ChoiceOne Financial’s reported figures.

Based on trailing twelve months.

The source filing: ChoiceOne Financial’s 10-Q, filed August 10, 2026. Open the filing →

Filed
Aug 10, 2026, 4:06 PM EDT
Fiscal quarter
Q2 FY2026
Calendar quarter
Q2 2026
Accession
0001193125-26-342347

FAQ

What is ChoiceOne Financial's net margin?
ChoiceOne Financial (COFS) reported net margin of 31.9% in Q2 2026.
How has ChoiceOne Financial's net margin changed year-over-year?
ChoiceOne Financial's net margin increased by 178.3% year-over-year, from 11.4% to 31.9%.
What is the long-term trend for ChoiceOne Financial's net margin?
Over 4 years (2021 to 2025), ChoiceOne Financial's net margin has grown at a -10.9% compound annual growth rate (CAGR), from 27.6% to 17.4%.
What does net margin mean?
Net income as a percentage of revenue (trailing twelve months). The bottom-line profitability measure after all costs, interest, and taxes.

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